NIACOG Housing Trust Fund Our mission is to enhance the
affordable housing stock and
its availability to low to moderate income
program is for malfunctioning
furnaces, malfunctioning water
heaters, handicapped ramps, and other
emergencies. The household must
include a senior citizen (62+) and/or
a disabled person. The home must be
located in Cerro Gordo, Floyd,
Franklin, Hancock, Kossuth, Mitchell,
Winnebago, or Worth County. Emergency
Project Application (Word)
Repair Application - 2018
This program takes on
a wider range of essential home repairs
projects include dilapidated roof,
siding, handicapped access,
window/door replacement, wall
repair, and non-functioning:
plumbing, electrical, furnace, hot
water heater, or water/sewer line,
etc. For 2018 we currently have
funding available for small
projects ($1,000 to $10,000) and
large projects ($20,000 to
$30,000). The home must be located
Gordo County. We are now
accepting applications from
people who are age 62 (or
older), disabled, or have
children under 6 years of age
living in (or regularly
visiting) the home. If
children under 6 years of age live
in (or regularly visit) the home,
additional funding may be
available through the
Cerro Gordo Public Health
Not eligible? If your project
is not eligible for our Programs, please
refer to the 'Other
at the bottom of this page.
& AFTER PHOTOS
Am I Eligible for Owner-Occupied
Home Repair Assistance?
To be eligible for
assistance your home must:
located in a program eligible county. See
eligible counties for respective program
descriptions listed above (1-3).
owned by you.
eligible repair need.
Projects are limited to true
emergencies (for example: furnace or hot
water heater not working or handicapped
Repair Projects can include:
or hazardous situation with: plumbing,
electrical, furnace, hot water heater,
or water/sewer line
of deteriorated siding, windows, doors,
of window screens or sump pump/backflow
access (ramp, bathroom, door widening)
current on house payments.
insured (homeowners insurance).
For Emergency Projects only, a senior
citizen or disabled person MUST be
living in the home.
Limits (maximums) for owner-occupied projects:
Cash Asset Limit $25,000
Do I have to pay back
functions like a grant and repayment is not
required unless the
home is sold (or refinanced with
funds paid out) within 5 years.
1/60th of the
loan is forgiven each month for 5 years
without payment as long as ownership
What is the process?
FOR EMERGENCY REPAIR
PROJECTS: You complete the application
supply bids from contractors. NIACOG
determines eligibility, inspects repairs,
and pays the contractor if eligible.
FOR HOME REPAIR /
OVERHAUL PROJECTS: Your first step is to
If your Pre-Application looks eligible, a full
be mailed to you when funds become
available for your project. Please note
that the full application will not be
sent until late 2017. After your full
application is received, NIACOG staff
will determine your eligibility and
the requested repairs. After that, bids
are taken from local contractors, and a
contractor is hired to complete the job.
Contractors must be registered with the
State of Iowa to work on a project.
What sources fund
These programs are
made possible through the generous support
Loan Bank Of Des Moines
Clear Lake Bank
Community Credit Union
United Way of
North Central Iowa
Cent Credit Union
What organizations work together
to implement this program?
agencies assist with the staffing, marketing,
and/or implementation of the NIACOG
Housing Trust Fund programs.